For Financial Professionals
Partner With a Passionate, Integrity-Driven Specialist
Carol partners with financial professionals who value honesty, expertise, and a genuine commitment to client education. She delivers comprehensive long-term care planning while keeping your trusted advisor relationship at the center.
Many financial advisors recognize that long-term care planning is an important part of retirement and wealth preservation discussions.
However, few advisors bring the specialized expertise, energetic approach, and unwavering integrity that Carol delivers day in and day out.
LTCSIMPLE provides a simple, honest solution.
Carol Guilbault, CLTC partners with financial professionals to help clients evaluate long-term care risks and explore planning options with total transparency. She allows advisors to maintain and strengthen their client relationships—never competing, always complementing with professionalism and heart.
Why Long-Term Care Planning Matters
A significant long-term care event can affect:
- Retirement income
- Investment portfolios
- Estate plans
- Legacy goals
- Spousal financial security
Yet many clients have never fully evaluated how care costs could impact their overall financial plan. By incorporating long-term care planning into retirement discussions, advisors can help clients make more informed decisions and reduce potential future risks.
How We Support Financial Professionals
Client Education
Carol provides educational consultations designed to help clients understand long-term care risks, cost exposure, funding strategies, and available planning options.
Long-Term Care Insurance Expertise
When appropriate, Carol can assist clients with traditional long-term care insurance, hybrid life & long-term care solutions, and asset-based care planning.
Underwriting Guidance & Complex Case Support
Carol works with advisors to evaluate high-net-worth clients, business owners, pre-retirees, retirees, and complex estate planning situations.
Carrier Analysis
Access to multiple leading carriers allows clients and advisors to evaluate solutions based on their specific goals and circumstances.
Benefits to Advisors
Enhance Your Client Offering
Provide access to specialized expertise without needing to become a long-term care expert yourself.
Strengthen Client Relationships
Help clients address a major retirement planning risk that is often overlooked.
Protect Assets Under Management
Long-term care expenses can significantly impact retirement portfolios and wealth transfer strategies.
Maintain Your Trusted Advisor Role
Carol works collaboratively with financial professionals and views the advisor relationship as a critical part of the planning process.
Carol's Philosophy
Education First. Recommendations Second.
Carol believes long-term care planning should be integrated into a client's broader financial and retirement strategy.
Her role is to complement the advisor relationship by providing specialized expertise and helping clients evaluate available options.
Who We Partner With
- Registered Investment Advisors (RIAs)
- Financial Planners
- Wealth Managers
- Retirement Planning Specialists
- CPAs
- Estate Planning Attorneys
- Family Offices
Partnership Opportunities
Referral Relationship
Refer clients who may benefit from long-term care planning expertise.
Joint Client Consultations
Participate in planning discussions alongside your clients.
Educational Workshops
Provide long-term care planning education for clients and prospects.
Retirement Planning Seminars
Collaborate on events focused on retirement readiness and asset protection.
Let's Explore a Partnership
Schedule a Partner Introduction Meeting
If you're interested in helping your clients better understand long-term care planning while strengthening your overall planning process, we'd welcome a conversation. Discover how LTCSIMPLE can support your clients and complement your advisory practice.
Schedule a Partner Meeting